What if the Driver in the Bike Accident Flees the Scene or Doesn’t Have Insurance?

February 17, 2024

Being injured in a bicycle accident is bad enough on its own, but it can be really frightening when the driver runs away or doesn’t have auto insurance. At The Leach Firm, P.A., we understand the confusion and frustration this situation can cause, but there are steps we can take to help you receive the resources you need to cover your losses. 

Hit-and-Run Accidents in Florida and Georgia

In both Florida and Georgia, hit-and-run accidents involving bikes pose significant challenges. Without the at-fault driver present, pursuing compensation can seem impossible. However, there are avenues to explore:

  • Uninsured Motorist Coverage: Check to see if your auto insurance policy includes uninsured motorist coverage. This coverage can step in to compensate you for damages caused by uninsured or hit-and-run drivers, even if you were riding a bicycle instead of driving your car at the time of the accident.
  • Seeking Legal Counsel: It can be very helpful to consult a personal injury lawyer experienced in handling hit-and-run cases. An attorney can investigate to help find the driver, navigate the legal complexities of recovery, and advocate for your rights.

What Should I Do After a Bike Accident?

Experiencing a collision with an uninsured driver can be overwhelming, but knowing the right steps to take afterward is crucial. Here’s what you should do immediately after being hit:

  • Prioritize Safety: Ensure that you, the driver, and any passengers in the car are safe. If possible, move to a safe location away from traffic to prevent further accidents or injuries.
  • Contact the Police: Immediately report the incident to law enforcement and ask the police to file a report. This establishes an official record of the accident, aiding in potential legal proceedings.
  • Seek Medical Attention: Check yourself and any others involved in the accident for injuries. Even if you feel fine, it’s essential to seek medical attention promptly. Some injuries may not be immediately apparent but could worsen without treatment.
  • Gather Information: Exchange contact and insurance information with the other driver, if possible. Additionally, gather information from any witnesses at the scene. Their testimony may be valuable for your claim.
  • Document the Scene: Take photos of the accident scene, including vehicle damage, damage to y0ur bike, road conditions, and any relevant road signs or signals. These photos can serve as evidence during the claims process.
  • Notify Your Insurance Company: Report the accident to your auto insurance provider (if you have it) as soon as possible. Even if the other driver is uninsured, your insurance policy may include coverage options that can help protect you financially.

By following these steps, you can protect your well-being and lay the groundwork for a smoother claims process.

Understanding Accidents Involving Uninsured Drivers

Encountering an uninsured driver adds another layer of complexity to the aftermath of a bike accident. While every insurance policy is unique, here are some general factors to consider:

  • Personal Injury Protection (PIP)/MedPay: In Florida, PIP coverage may apply to bicycle accidents involving uninsured drivers. This coverage can help cover your medical expenses and lost wages, regardless of fault. While PIP coverage is not required in Georgia, some drivers carry MedPay insurance coverage, which is similar.
  • Uninsured Motorist Bodily Injury (UMBI) Coverage: In Georgia, UMBI coverage can provide compensation if you’re injured by an uninsured driver. This coverage typically applies to bodily injuries, including those sustained in bike accidents. Because of the PIP requirements in Florida, not all drivers in the state see the need to carry uninsured motorist coverage, but for those who do, it can be helpful in cases where the costs exceed PIP limits.  

What Happens If We Find the Hit-and-Run Driver?

If law enforcement efforts or your own investigations reveal the identity of the hit-and-run driver, they may face legal consequences such as fines, license suspension, or even criminal charges, depending on the severity of the incident. However, you will need to take steps on your own to obtain compensation for your losses through actions such as:

  • Insurance Claim Process: Once the driver is located, you can proceed with filing a claim against the driver’s insurance company. If they are uninsured, your own uninsured motorist coverage may come into play to cover your damages.
  • Legal Recourse: With the driver identified, you may also have the option to pursue a personal injury lawsuit against them for damages not covered by insurance, such as pain and suffering or punitive damages.

No matter the outcome, it’s essential to prioritize your well-being and seek the support and guidance you need. The team at The Leach Firm, P.A. is here to help you navigate through the complexities of hit-and-run accidents and pursue the compensation you deserve.

Seek Legal Guidance for Bike Accidents in Florida and Georgia

If you’ve been injured in a bicycle accident, the experienced attorneys at The Leach Firm, P.A. can assess your case and explore all available options for compensation. Don’t let the complexities deter you from seeking justice. Contact us today for a free case evaluation at 844-722-7567 or online. With over 100 years of combined experience serving Florida and Georgia, we’re here to fight for your rights and help you succeed during these challenging times.

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